National Insurance Mediclaim Policy



National Insurance Mediclaim Policy


National insurance is one of the leading public sector non-life insurance companies in India. The National Insurance Mediclaim policy is a health insurance policy for individuals and the entire family. The mediclaim plan covers medical expenses incurred by a person due to any disease, illness or injury.



Key Features of National Insurance Mediclaim Policy


  • Policy can be renewed up to the age of 80 years
  • Provides coverage for dependent parents also
  • Cost of treatment in case of an accident where surgery may or may not be involved



What is covered in National Insurance Mediclaim Policy?


  • Hospital and Nursing Home Room Rent is provided by this policy up to 1% of the Sum Insured subject to a maximum of Rs.5,000 per day
  • There is a limit on the Intensive Care Unit room rent reimbursement of only 2% of Sum Insured, up to a maximum of Rs 10,000 per day
  • Surgeon's fees, Consultant's fees, Anesthetist's and Specialist's fees are also paid till a maximum of 25% of Sum Insured
  • Cost of medicines and drugs, nursing expenses, operation theatre charges, blood, oxygen, etc is paid for.
  • Chemotherapy, radiotherapy, organ replacement, pace maker, etc. are paid till a certain percentage of Sum Insured



Additional Benefits of National Insurance Mediclaim Plan


  • Cumulative Bonus and free Health Check-up is provided for continuous renewal
  • A discount of 6% in premium is offered if the customer does not choose for cashless benefit



Eligibility and Restrictions of National Insurance Mediclaim Plan





Coverage Amount (in Rs.)



Policy Term (in years)



Entry Age (in years)

18 years

59 years

Renewable till Age (in years)


80 years



Family floater policy will cover


  • An individual and/or his spouse
  • 2 Dependent children from 3 months age till age 25 years for boys and till marriage for girls
  • Dependent parents



Tax Benefits in National Insurance Mediclaim Policy


Premium paid for the national insurance mediclaim policy is exempt from Income Tax under Sec. 80D of the l.T. Act. up to Rs. 15,000 and Rs 20,000 for senior citizen



Exclusions - What is not covered in National Insurance Mediclaim Policy?


  • Pre -existing diseases are not covered under this plan even after some years of continuous renewal
  • HIV Aids is not included under this policy
  • Venereal disease, intentional self-injury, use of drugs or alcohol, congenital external disease, sterility, are not covered
  • Certain treatments like dental treatment are not covered
  • Hospitalization for purely diagnostic purposes is not included under this plan
  • Maternity related expenses and child birth is treated as an exclusion in this plan.



Alternate health insurance plans from other insurance companies


Reliance Mediclaim Policy

Max Bupa Heart Beat Health Insurance

New India Assurance Mediclaim Policy



Other Health plans from National Health Insurance


National Insurance Critical Illness Policy

National Insurance Personal Accident Policy

National Insurance Varistha Senior Citizen Policy

~ By Deepak Yohannan
Note: This is a statement of facts based on the information collected from the National Insurance Mediclaim Policy brochure and insurance company's website. It should not be construed as a Critical or Favourable National Insurance Mediclaim Policy Review, Analysis or Recommendation.
Insurance is a subject matter of the solicitation.

Leave a Comment

What to know whether policy no: 560502/48/13/8500000082 is an individual or corporate policy?

By Phaneendra Adusumelli on Oct 08, 2014 Reply

You will need to call up National Insurance for the same


Replied By Manoj Aswani (MIC Staff) on Oct 09, 2014 Reply

Hi, I hold mediclaim policy with your Co since a decade. I am 65 yr old now. How can I upgrade this policy to Critical illness policy. I do not have any illness as on now and I have so far cliimed only for Cataract surgery about 6 yrs ago

By Arasi Subramaniam on Oct 06, 2014 Reply

Please visit the website or office of National Insurance to know more about your request

We are MyInsuranceClub – India’s 1st IRDA approved insurance comparison website


Replied By Manoj Aswani (MIC Staff) on Oct 07, 2014 Reply

Hello Sir,

I have submitted medi claim papers to MDI insurance company after 192 days from date of discharge and now MDI company needs a approval from Reginal manager of national insaurance company.
so please suggest us what should i do

By Neeraj Vijjan on Oct 04, 2014 Reply

This could be a standard procedure where the claim processing is delayed by 6 months or more. Visit the nearest branch of National Insurance and write an application to them requesting their approval to process the claim. Take the necessary approval and give it to MDI

Replied By Manoj Aswani (MIC Staff) on Oct 07, 2014 Reply

hello Sir,
I would like to know the CSR for National Insurance and how much do you personally recommend people for this insurer. Is it better than other public sector insurers?/
Thanks in advance for the reply.

By Rekha Nair on Sep 28, 2014 Reply

Claim settlement ratio of general insurance companies are not declared product-wise. So it is difficult to estimate the health insurance ratio. Moreover, there is a fair mix of satisfied and dissatisfied customers with every health insurance company. You can buy the mediclaim policy from them. However, now there are several options in the market from private insurers which offer far better features and benefits. Have a look at the different health insurance plans for your needs –


Replied By Manoj Aswani (MIC Staff) on Sep 30, 2014 Reply

sir I have a complain about your tpa (focus). to whom should I contact for the harassment and pain I faced due to misbehaviour and misleading of the focus staff

By Annu Saini on Sep 16, 2014 Reply

Hi Annu

You have posted your complaint on "". We are not an insurance company. We are IRDA approved insurance comparison website.

Request you to contact your insurance company

Website :
National Insurance Company Limited,
Phone : +91 33 22831705 / 06

Replied By Manoj Aswani (MIC Staff) on Sep 20, 2014 Reply

I have just read about health insurance policy for Jains in today's Divya Bhaskar. Can you please enlighten me on this,

By Chandrika Shah on Sep 15, 2014 Reply

What is the maximum limit for both cash and cheque payment towards Doctor's,Surgeon's, anathesist's fees while the same are not included in the hospital bill ? While the policy was purchased through bank, there is no one to guide me in this respect. Please intimate me IMMEDIATELY to do the needful at my end.

By Debabrata Sengupta on Sep 14, 2014 Reply

Surgeon's fees, Consultant's fees, Anesthetist's and Specialist's fees are also paid till a maximum of 25% of Sum Insured

Replied By Manoj Aswani (MIC Staff) on Sep 15, 2014 Reply

Dear Sir, I have bought Happy Family Floater policy through PNB since last two years. My age is presently 58 and my wife age is 50 yrs. I have not mentioned any pre-existing diseases while taking policy. Now, I would like to take health insurance after waiting period of 4 years from National Insurance declaring pre-existing diseases. Is there any difficulty will arise without losing waiting period??

Ashok Kumar Das
Narendrapur, Kolkata

By Ashok Das on Aug 17, 2014 Reply

1) If you wish to discontinue your policy with PNB and move to National Insurance then it will be referred to as Portability.

Click here to read about the process of portability

2) If you simply wish to buy a new policy from National Insurance and continue your policy with PNB then it is absolutely fine and you do not need to worry about anything.

In either of the options, you will not face any difficulty in declaring your pre-existing diseases

Replied By Manoj Aswani (MIC Staff) on Aug 18, 2014 Reply

Hi Sir, I wants to buy a Health policy for my Parents both are comes under 55 to 58 year of age.I Wants to know that can i take health policy for my parents??? and if yes then what will be the yearly premium if sum assured will be 3 lakh.

By Kapil Papreja on Aug 15, 2014 Reply

Hi Kapil,

If you are comfortable paying extra premiums, then buy a separate policy for them

Visit here and enter their details and you will see a list of policies with premiums

Replied By Manoj Aswani (MIC Staff) on Aug 16, 2014 Reply

Dear sir where i can pre Policy Medical Check Up in national insurance

By Ankit Kaushik on Aug 14, 2014 Reply

Once you apply for a policy they will give you a list of hospitals in your area to choose from the pre-policy check up


Replied By Manoj Aswani (MIC Staff) on Aug 16, 2014 Reply


By Mousam Mukherjee on Aug 09, 2014 Reply

Yes it offers cashless service

And the sum assured range is 50,000 to 5 lakhs

Replied By Manoj Aswani (MIC Staff) on Aug 14, 2014 Reply

Dear sir .in how many days we can take claim on urjnt basis after going for new mediclaim policy.
Im asking in case of emergency.
plz answer asap

By Arti Arora on Jan 23, 2014 Reply

Dear Arti, you can make a claim immediately after taking the plan. But insurance companies will cover only accident related claims in the first 30 days of you taking the policy. This does not apply at the time of renewal. After the 1st 30 days all types of hospitalisation will be covered.

Apologies for the delay - our systems were undergoing some outages and could not reply.

Replied By Deepak Yohannan (MIC Staff) on Jan 28, 2014 Reply

Dear sir what is mean by point no 6) Benefits accrued under previous policies by any other insurance co
"1)Pre-existing diseases upto 3 years
2) Any disease within 30 days of start of policy, except injury out of accident
3) Certain treatments done within 1 year of start of policy
4) Expenses primarily for diagnosis
5) Naturopathy treatment
5) Dental treatments
6) Benefits accrued under previous policies by any other insurance co
7) Domicilary Hostpialization benefits"
B.D. Sant

By Bhagawan Sant on Jan 19, 2014 Reply

Dear Sir, I did not understand your question. Could you pls clarify a bit more - we would be glad to help.

But the points raised by you, are the general exclusions in most policies. It meas that you cannot make a claim for those circumstances.

Replied By Deepak Yohannan (MIC Staff) on Jan 20, 2014 Reply

Dear sir date-21.1.2014
Thanks for prompt response
My Question is I get claim amount from my old insurance company for disease angioplasty.
I take new policy from national insurance and declared my preexisting disease in national insurance policy I agree that the don't give me any benefits up to 3 renewal ( if i don't need to claim old and national insurance company up to 4 years ) then i get claim from National insurance company ? after 4 year as per their Exclusion no 1

because I want to stop my old insurance policy after exclusion period over

Replied By Bhagawan Sant on Jan 21, 2014 Reply

Dear Sir, if you have an existing policy you can carry over the benefits of waiting periods to the new policy. But you will have to then use the "Portability" Option. This will have to be done at 45 days before your existing policy expires.

The specific anwer to your question is a Yes if you have ported your plan. I would recommend that you take the services of a agent or broker to help you through this process.

Replied By Deepak Yohannan (MIC Staff) on Jan 28, 2014

It's quite surprising that your Company has formulated a Policy wherein Pre-existing Diseases are not covered even after a time-elapse of years together from the date of initiation. If this is true , then what is the point of coverage ? It then boils down to coverage only for Influenza , Diaria ,Fever these sort of low-risk ailments.
Would like to have your comments on this.
Goutam Gupta

By Goutam Gupta on Dec 10, 2013 Reply

Dear Goutam, the new verison of the policy covers all pre-exising diseases after 4 year of continuous renewal. I hope that makes you feel slightly better!

Replied By Deepak Yohannan (MIC Staff) on Dec 11, 2013 Reply

I want to do a mediclaim of national insurance for myself and my family2+1 . Please inform details
at ""

By Arnab Chakrabarti on Nov 09, 2013 Reply

Dear Arnab, to know more about family health insurance plan from National Insurance, pls click here.

You can calcuate the premiums for your entire family also in the link here.

Replied By Admin (MIC Staff) on Nov 11, 2013 Reply

I relocated from one company to another company in Jan 2013. Both these companies are having tie up with national insurance for medical health insurance policy. I paid my premium last year (2012) in my previous organization and this year (2013) I paid after joining the second organization. Now the issue is that I went for maternity claim through my current organization, my claim has been rejected saying that I should complete 9 months of service to eligible for the claim. Could you please let me know is there any other way to get my claim because I am paying my premium continuously to same insurance company but from different organizations.
Thank you.

By Mariappan Shanmugavel on Oct 08, 2013 Reply

Dear Mari, this is the problem with relying on your group insurance to take care of your medicals bills. The group plan which your current employer has could have this clause built in. Group policies are often customised for each employer and in most cases you will not even be aware of the same. Check if there is such a clause in the company's plan. If yes, there is nothing that you can do about it.

Replied By Deepak Yohannan (MIC Staff) on Oct 14, 2013 Reply

Respected Sir.
I want to joint a agent under National Insurance Company for Mediclaim Policy, Sir Please tell me what is the agent commission chart ?

Rash Bihari Roy.
11B S.B Dey Street

By Rash Bihari Roy on Sep 25, 2013 Reply

Dear Rash Bihari, we would not be aware of the exact nature of commissions which would be paid out to agents. Each company has its own policies and incentives depending on the amount of business done.

You would have to contact their Kolkatta office to figure this out.

Replied By Admin (MIC Staff) on Sep 25, 2013 Reply

I have mediclaim policy under National India Insurance Company bearing policy no 15350048128500005593 in the name of Anindya Kumar Ghosh/Munmun Ghosh/Anamitra Ghosh. Payment due on 10-09-2013.I want to renew the policy on 12-09-2013. Will I get the full benefit with the previous year ? How many days will I get the relaxation period to renew the previous policy to maintain my coverage.Pl let me know.

By Anindya Ghosh on Sep 12, 2013 Reply

Hi Anindya, you are eligible to a grace period of 15 days from the date of expiry for making the payment for renewal. Your policy would then be active with all benefits. However for the gap period, the cover would not be applicable.

I would not recommend that you take a break in policy unless there is some very compelling reason.

Just inquisitive - why do you want to do this for 2 days?

Replied By Deepak Yohannan (MIC Staff) on Sep 12, 2013 Reply

i have just taken privar health insurance, I would like to know the hospital names in Goa

By Ravi Girotra on Aug 27, 2013 Reply

Hi Ravi, pls check this link to find the the list of network hospitals in Goa.

You will need to check the TPA which is assigned to you - check the card issued to you for the name. Then go to the link again of that TPA and check for the hospitals.

This is the only publicly available method to check.

Replied By Admin (MIC Staff) on Aug 28, 2013 Reply

can i pay the premium on line by net banking

By Rohit Joshi on Aug 08, 2013 Reply

Yes, Rohit, you can renew your policy by paying premium through Net Banking.

Go to the link mentioned below and click on Renew/Buy Health Policy.

Hope this is useful to you.

Replied By Admin (MIC Staff) on Aug 08, 2013 Reply

I am S Bala Subramanyam and holding a policy having no 022001000853889 02. let me the status of the policy, it is due for renewal, can you send me details so I can make payment on line, the due date is in the month of August 2013.

By Sundra Subramanyam on Jul 29, 2013 Reply

Dear Sundra, Usually all companies send renewl reminder requests through email and post/courier and even through SMS. We would request that you update your personal details if not already done.

You will have to contact New India directly for the same. You can find their contact numbers below:

Unfortunately they would not share such information with any third party like us.

Replied By Admin (MIC Staff) on Jul 31, 2013 Reply

I am Mediclaim Policy Holder of Policy No. 130205/48/11/06/00000206 I am paying my premium agiant this Policy since 2006. and this year, my daughter was hospitalised and I had claimed only for Rs. 7402/- for reimbursement. It is more than three months, but I did not get any claim and the company is doing it through a third party where if you call, the people even responce properly and telling rude languages. I dont know what to do any Complaint cell is there?

By Megha Shakti on Apr 06, 2013 Reply

Dear Megha, yes there is a redressal mechanism put in place by the insurance regulator. We recommend that you follow the steps mentioned in the link below. It is the correct method as prescribed by IRDA.

Replied By Admin (MIC Staff) on Apr 13, 2013 Reply

can i mediclaim for my son, we r two premium paid to national insurance company. we are paid my first premium in 2011.

By Kaushik Bholabhai Prajapati on Feb 15, 2013 Reply

I want to contact no. vapi Agent

Amit kumar nishra

By Amit Kumar Mishra on Jan 30, 2013 Reply

i m vry hpy 2 take mediciaim policy

By Amar on Nov 28, 2012 Reply

I want family mediclame of 2 lakh and my term insurance of 50 lakh for next 20 age is 45 year

By Sanjay Bhatnagar on Sep 14, 2012 Reply

2 years medical policy primiyam

By Anil on Sep 13, 2012 Reply

I want to renew my motar car policy+Two Wheeler Policy+Mediclaim policy online since I think it will be a cheap option for me as middlemen i.e agent 's commission will be eliminated. please advice me more on this. How I can renew my above mentioned policies online.
Please help.

Manmohan Sharma, Mumbai

By Manmohan on Jun 18, 2012 Reply

Dear Team,

I want to do a mediclaim from National Insurance. Plz cont. me.

By Sujay Saha on Jun 09, 2012 Reply

I am from Varanasi.I am 62year old Iwant to take medclaim policy on floater basis what amount of premium I have to pay.please let me know about cashless services and taior-made medclaim policy

By C.R.Dass on May 30, 2012 Reply

I have got BOI National Swasthya Bima Policy, Now can I renew this policy on line as I am going out of India

By Naginbhai Vasava on May 14, 2012 Reply

i did not get the answer-----wheather i can pay premium of my existing policy on line ??

By Samiran Kanti Das on May 07, 2012 Reply

It is better to cover health insurance irrespective of age.

By Gopala Krishnan H on Apr 27, 2012 Reply

am interested in group mediclaim. please revert.

By Rahul Shukla on Apr 19, 2012 Reply

I am working for hospital in mediclaim department and I want to know about the deduction received in section b & in section c

By Subhash Parmar on Apr 18, 2012 Reply

I am looking for a policy for me and my wife, kindly let me know the premium. Does National Insurance covers all the benefits which are given by Private firms like ICICI lombard / Bajaj Allianz?

By Mohamed Shadab on Apr 16, 2012 Reply

Dear Sir

I Have taken V Arogya bima policy few years earlier through Vijaya Bank saidapet Branch and issued by Your Guindy branch

The said policy is continuously renewed and never had any claim policy

All of sudden this year when I had been to your guindy office your official refuse hand over me the renewed policy on 27/3/2012 even after issuing receipt and taking printout of the said renewed policy

Your officials had some internal problem hence they have refuse to hand over the renewed policy and cancelled the same with the reason that Vijaya bank and NIC is not continuing the said scheme

These said policy taken few years earlier and continued.
I have taken the policy with the future planning and all of sudden if you people discontinuing the scheme which is putting a policy holder on life threat

Where is the mistake on the part on the insurer who has paid full premium and taking the policy from the Government organization.

Please clarify whether now the V Arogya policies are eligible for renewal or not

Further I also request you to inform your all the concern office of your decisions so that policy holders will be escaped from your UN warranted pillars to post traveling as guided to me by your Guindy officials

Please reply at the earliest about eligibility of renewal of V Arogya policy hence forth permitted or not

K Ramesh jain
+91 9500000959

By K Ramesh Jain on Apr 16, 2012 Reply

Is there any change in your cashless policy ?

By Chandranath Mukherjee on Apr 06, 2012 Reply


By K K Jain on Apr 06, 2012 Reply

•Pre -existing diseases are not covered under this plan even after some years of continuous renewal

some years is not specific. Kindly specify the nos. of years.

By Abhay Sheel Sinha on Mar 28, 2012 Reply


By Mrs Nattho on Mar 25, 2012 Reply

I want to bought Mediclaim policy for me and my family2+2.[family floater policy].my age me what is the premium.

By Tukaram Anant Raul on Mar 21, 2012 Reply

I and my wife Shobha passi are Mediclaim policy holders since five years . Now when we need thias facility Bala ji Max Hospital sent case for approval . The TPA is asking for copies of 2008 and 2009 policies.
When there is no break in policies why we are asked to submit the old policies , why this information cant be given by the insurance company.
Anyway can you please mail me copies of Policy No.2008/36150048088500000439 And 361500/48/09/8500000424 .
I will be highly grateful.

By Harbans Lal Passi on Mar 13, 2012 Reply


By R T Sir on Mar 12, 2012 Reply

My policy No. 260700/48/10/8500007081.

I have to state that the said policy is valid till 18/03/2012, but while Iwent to make the payment for further period validation in BANK OF BARODA Kandivalli Branch they require
x-rox of original policy for renewal which I didn't receive sofar. instead I have rcd Health card
HHS1.0900985819 valid up to 18.03.2012.

By Dave Pragnya Harendra on Mar 08, 2012 Reply


By Rashid Pe on Mar 07, 2012 Reply

Kindly provide me information regarding health Policy.My Age is 49 my wife age 45 & my duaghter age is 20 year.

By R. L. Gohel on Mar 02, 2012 Reply

I want to renew my existing National Health Mediclaim Policy for further period. Please suggest how to renew as I am working and unable to go for renewable. So please help.

By M K Shinde on Feb 06, 2012 Reply

Can I renewal of my mediclaim policy through on line. If it is there what is the procedure?

Pl. let us know the details

By I. Ramprasad on Feb 05, 2012 Reply

hospital list send me my mail

By Ram Kumar Gupta on Feb 02, 2012 Reply

I wants to bought a Mediclaim policy for me and my family 2+2 members sum insured for 2 lac kindly calculate for annual premium.

By Satendra Rawat on Jan 30, 2012 Reply

i have taken mediclaim in 2008 through bank of india , last month i froget to renew ? what will be good for me ?bank of india never reminding ? they giving very third class service..
my policy no.253100/48/07/8500004904

By Akhilesh Singh on Jan 29, 2012 Reply

tell me about the policy which covers maternity. this info is not too enough to make me clear. kindly revert me as early possible.

By Madhuri Manish Naik on Jan 19, 2012 Reply

i want to madiclaim policy for 32 age.
what will premium for 2 lacs claims.

By Kishan Lal Sharma on Jan 12, 2012 Reply

I would like to know which govt. hospitals/private clinics in odisha have been tied-up with national health insurance company.

By Sunil Kumar Naik on Jan 10, 2012 Reply

please give me information about national insurance mediclaim policy health expenses& what is
maturity period of this policy.

By Abdul Rehman Shaikh on Jan 10, 2012 Reply

I would like to know about the cancer policy.procedure to get it. premium etc.

By Ashok Shukla on Jan 05, 2012 Reply

What Is the Differance Of Barada Helth Policy & Boi National Sawasthya Bime

By Jayesh Marakana on Jan 04, 2012 Reply

send new health policy

By Nagendra Prabhu on Jan 01, 2012 Reply

please give me information about reputed Clem fir-no 1785315.hearing on 25 pune

By Todkar Prakash Shankar on Dec 15, 2011 Reply

It's been a headche for me to get a claim from national insurance even after having a policy & fulfilling allterms & conditions.

so pls take care while chossing a policy because ultimately if you are not bale to get benefit at the time of crisis there is no point wasting money on national insurance .


By Tarun Vats on Dec 13, 2011 Reply

My National Insurance mediclaim policy expired on 09.09.11. Unfortunately I missed to renew the same. Since this policy is more than 3 yrs old, what is the policy to renew the same policy in continuation so that the seniority benefits can be availed.

Please help.

By Rupesh Sharma on Dec 01, 2011 Reply

tell me about the policy which covers maternity. this info is not too enough to make me clear. kindly revert me as early possible.

By Kavita Gupta on Nov 18, 2011 Reply

please give information about health insurance plan for family plan.

By Sunil Kumar Dubey on Aug 22, 2011 Reply

to support the self if any major illness occour

By Veenil Surana on Jul 12, 2011 Reply

latest short premium policy

By Saikat Basu on May 09, 2011 Reply

I will only stick to Public sector insurance companies ... its a safe bet always!

By Chintan on Jan 17, 2011 Reply

buy online

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